Find income protection insurance for you

The future is uncertain

What would you do if you were suddenly unable to work due to an illness or injury? Who will fill the void in your income while you are recovering? How will you pay your bills, mortgages, and daily expenses?

The good thing is that Income Protection Insurance provides security to you and your loved ones in times of uncertainty. With this insurance, you will have a steady flow of income while you are on your way to recovery, so you can pay your bills, your mortgages, and still have enough to keep the lifestyle that you have always enjoyed.

But choosing just any Income Protection Insurance provider is not enough. You need someone trusted and reliable in your time of need, while providing you with competitive premiums and rates.

Enter your details in the box above and click the 'Get Quotes' button. We will then provide you with a comparison of the Top 9 insurers in Australia along with their respective rates.

Why Choose Rate Detective for Income Protection

There are plenty of reasons why we are your ideal Income Protection advisor. These include:

Expert advice. We help you find the best insurer by providing you with a comparison of the country's Top 9 insurers;

Faster processing. We have built a strong relationship with insurance companies, which helps us directly contact underwriters to speed up the process, and,

Rebates. You will receive a 20% rebate after 12 months;

No cost, no obligation service. We provide a FREE, no obligation service;

No medicals required. We require no medicals in most cases;

Experience. To date, we have helped over 150,000 Australians find the best quote for their needs;

Save up to 40% on your policy

The 9 insurance companies and saving of 40% is based on the highest priced product available on Rate Detective's panel versus the lowest priced product on that panel, as at 20/06/2016 and based on hypothetical 42 year old female non-smoker seeking $1m life insurance cover (premium level). Not all life insurance providers in the market are included in the comparison. The amount of any savings will depend on your circumstances.

Get 20% cash back on your first years premiums

This offer is available for all insurance companies that are on our panel. To take advantage of this offer, mention the offer to Rate Detective at the time you submit an enquiry for a quote. After 12 months we will email you a reminder that your rebate is due, so you can call to confirm your details. To be eligible for this offer, your policy needs to remain in force for the full 12 months. Any rebate to which you are entitled will be paid directly into your bank account or provided on a Gift Card.

If your policy is taken out through a Superfund, other than a SMSF, once we receive confirmation from that fund that it has rolled over the money to the insurance company you have selected, we will pay 20% of the rollover amount to your nominated bank account.

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RATE DETECTIVE PTY LTD. AUSTRALIAN CREDIT LICENCE NO. 469009

The Rate Detective brand is operated by Spotter Finance Pty Ltd an authorised representatives (AR Number 1254369) of MYONLINEADVISERS PTY LTD ABN 85 159 942 828 Australian Financial Services Licensee 427484. Spotter Finance and its advisers are authorised to advise and deal in superannuation and life insurance products only.

Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information or advice on this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. Please note our advice does not include independent financial, legal and taxation advice prior to acquiring a product.

Not all providers of insurance, mortgages, and credit cards on the market are included in our comparisons. The amount of any savings will depend on your circumstances.

The financial products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage.

Compare life insurance, home loans, income protection and credit cards to find a competitive rate for your situation by providing you prices for all products on our panel. There are hundreds of choices out there, and our guides and calculators can help you when you are searching for these products.

Rate Detective aims is to save its customers money, time and effort through its innovative rate comparison website designed specifically to cater the needs of the Australia market. Rate Detective is a one stop online shop that provides the necessary tools to help you find and compare home loans, personal insurance, credit cards and travel insurance. Rate detective is even able to help you find suitable electricity providers!

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